BlastPoint's Credit Union Scorecard

WAUNA

Charter #17990 · OR

100M-500M

1070 CUs in 100M-500M nationally 17 in OR

WAUNA has 7 strengths but faces 6 concerns

National Analysis

How does the industry compare?

OR Analysis

How does OR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 0.65% above tier average
+ Fee Income Per Member: Top 4.4% in tier
+ Total Loans: Top 4.8% in tier
+ Total Deposits: Top 8.5% in tier
+ Total Members: Top 9.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.40% below tier average
- Efficiency ratio 5.75% above tier (higher cost structure)
- Delinquency rate 0.21% above tier average
- Asset Growth Rate: Bottom 3.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	26,781 +0.9% YoY+0.5% QoQ	+11.6K	15,145 -2.5% YoY	51,194 +9.2% YoY	33,913 +5.7% YoY	Top 9.6% in tier
Assets	$400.1M -4.7% YoY-2.4% QoQ	+$168.4M	$231.7M +0.8% YoY	$843.4M +7.6% YoY	$578.3M +9.0% YoY	Top 11.0% in tier
Loans	$310.9M +0.3% YoY-0.4% QoQ	+$166.7M	$144.1M +0.2% YoY	$578.4M +10.5% YoY	$402.4M +8.7% YoY	Top 4.9% in tier
Deposits	$361.3M +0.9% YoY+0.0% QoQ	+$160.1M	$201.1M +0.4% YoY	$722.8M +7.3% YoY	$494.3M +9.1% YoY	Top 8.6% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% -67.8% YoY-66.8% QoQ	-0.4%	0.7% +5.1% YoY	0.7% -4.2% YoY	0.4% -39.2% YoY	25%
NIM	4.3% +12.0% YoY+3.1% QoQ	+0.6%	3.6% +4.6% YoY	4.0% +4.4% YoY	3.8% +4.1% YoY	85%
Efficiency Ratio	83.8% +10.4% YoY+10.1% QoQ	+5.7%	78.0% -1.7% YoY	77.9% +0.7% YoY	84.6% +2.8% YoY	68%
Delinquency Rate	1.0% +56.1% YoY-0.4% QoQ	+0.2	0.8% +7.1% YoY	1.1% +40.5% YoY	1.2% +3.4% YoY	76%
Loan To Share	86.0% -0.6% YoY-0.4% QoQ	+15.6%	70.4% -0.4% YoY	75.8% +1.2% YoY	65.6% -1.4% YoY	81%
AMR	$25,097 -0.3% YoY-0.7% QoQ	+$179	$24,918 +2.7% YoY	$25,270 +0.9% YoY	$19,920 +1.6% YoY	62%
CD Concentration	20.8% -10.3% YoY-6.4% QoQ	-3.5%	24.3%	16.7%	19.8%	50%
Indirect Auto %	13.5% -21.8% YoY-7.5% QoQ	-0.3%	13.8%	13.7%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#321 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.95%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 13.46%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#351 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.95%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.33%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 13.46%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#189 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.35% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Efficiency Drag

risk

#427 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.77%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.70% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 0.95%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (7 metrics)

Fee Income Per Member

profitability

Value: $304.35

Peer Median: $154.95

#48 of 1070 Top 4.4% in 100M-500M tier

Total Loans

balance_sheet

Value: $310.86M

Peer Median: $121.41M

#52 of 1070 Top 4.8% in 100M-500M tier

Total Deposits

balance_sheet

Value: $361.26M

Peer Median: $171.29M

#92 of 1070 Top 8.5% in 100M-500M tier

103

Total Members

engagement

Value: 26,781

Peer Median: 13,200

#103 of 1070 Top 9.5% in 100M-500M tier

118

Total Assets

balance_sheet

Value: $400.07M

Peer Median: $196.57M

#118 of 1070 Top 10.9% in 100M-500M tier

162

Net Interest Margin (NIM)

profitability

Value: 4.28%

Peer Median: 3.62%

#162 of 1070 Top 15.0% in 100M-500M tier

206

Loan-to-Share Ratio

balance_sheet

Value: 86.05%

Peer Median: 71.88%

#206 of 1070 Top 19.2% in 100M-500M tier

Top Weaknesses (7 metrics)

1035

Asset Growth Rate

growth

Value: -4.67%

Peer Median: 3.91%

#1035 of 1070 Bottom 3.4% in 100M-500M tier

945

Members Per Employee (MPE)

engagement

Value: 230.871

Peer Median: 309.176

#945 of 1070 Bottom 11.8% in 100M-500M tier

922

Net Worth Ratio

risk

Value: 8.99%

Peer Median: 11.45%

#922 of 1070 Bottom 13.9% in 100M-500M tier

888

Net Charge-Off Rate

risk

Value: 0.78%

Peer Median: 0.35%

#888 of 1070 Bottom 17.1% in 100M-500M tier

863

AMR Growth Rate

growth

Value: -0.33%

Peer Median: 3.46%

#863 of 1070 Bottom 19.4% in 100M-500M tier

809

Total Delinquency Rate (60+ days)

risk

Value: 0.99%

Peer Median: 0.61%

#809 of 1070 Bottom 24.5% in 100M-500M tier

804

Return on Assets (ROA)

profitability

Value: 0.33%

Peer Median: 0.69%

#804 of 1070 Bottom 25.0% in 100M-500M tier